Akhawunti zeBhanki
Enye yeemibandela zokuqala ezitshatileyo kufuneka zicele amaziko kwiibhanki zabo zebhanki. Ngaba kufuneka ugcine ii-akhawunti ezihlukeneyo , okanye ubeke yonke into kwi-akhawunti edibeneyo? Okanye, ngaba unayo inhlanganisela yeakhawunti edibeneyo kunye neyehlukeneyo? Kungakhathaliseki ukuba uthatha isigqibo, le ngxaki ebalulekileyo ukujongana njengoko uqala ubomi bakho bomtshato.
Kukho izizathu ezifanelekileyo zokuqwalasela intlangano yee-akhawunti zombini kunye kunye kunye. I-akhawunti edibeneyo kufuneka isetyenziswe kwiindleko zentsapho: umboleko okanye irenti, izibonelelo, iibhidi, ukutya, njalo njalo. Bobabini unako ukongeza imali kule akhawunti ukuze ngamnye abe nesabelo ekuhlawuleleni ukugcina indlu yakho. Ukongezelela, ngamnye wenu kufuneka abe ne-akhawunti yokuzikhethela ngokuchithwa kwemali, okanye imali eyonwabileyo. Oku kunokunceda lula izinto xa kuziwa kwiibhili, kodwa kunceda ukugcina imali yakho yokujonga ngaphandle kokufuna ukuba unqumle inkululeko yemali.
Ukudala iBhajethi
Akubalulekanga kuphela ukugqiba indlela yokwabela imali yakho ebhankini, kodwa le lixesha lokufumana ingqalelo ngokuphathelele ukudala uhlahlo lwabiwo-mali . Umlingane wakho omtsha unokuzisa ii-asethi okanye amatyala ekhaya. Basenokusebenzisa imichilo ehluke ngokupheleleyo kwakho.
Ukuba usetyenzisiwe ukuhlawula i-solo, eyongezwa kwiincwadana ze-puzzle yakho yezemali ngokuqinisekileyo kuya kutshintshwa ibhajethi entsha .
Thatha ixesha lokuhlala phantsi neqabane lakho kwaye ujonge ukuhamba kwemali yakho ehlangeneyo. Ziziphi iintlawulo eziza kuba nazo? Imali yakho iyafana njani? Unokulondoloza buninzi? Ngaba unokufumana iindlela zokudibanisa iindleko, ezifana nokutshintshela kwisicwangciso sefowuni esifanayo? Ngaba kukho iindleko ezinokupheliswa ngokupheleleyo? Ukuphendula le mibuzo kunye kukunceda uhlalutye ibhajethi engokoqobo ebomini bakho.
Ukucwangciswa kokungalindelekanga
Ngoku ukuba utshatile, kuya kufuneka wenze izigqibo ezibalulekileyo malunga ne-inshurensi kunye nokucwangciswa kwezinto . Ukuba ngaba bobabini usebenza kwaye zigqityiwe ngesicwangciso sezempilo ngokusebenzisa umqeshi, kubalulekile ukuba ukhangele ukuba yeyiphi icebo eliza kuba luncedo. Ngokomzekelo, ngaba enye iplani yeeprayimari ezantsi okanye ukhetho olubanzi lwagqirha? Ingaba isicwangciso sakho somlingani sikhombise ukukhulelwa okanye izimo ezixhomekeke kwi-plan yakho? Ukutshata ngenye yeziganeko zobomi ezikuvumela ukuba utshintshe ukhetho lwakho lwe-inshorensi yezempilo ngaphandle kokulinda ixesha lokubhalisa elivulekile , ngoko usebenzisa ixesha ngokuhlakanipha.
Ukongeza kwinshuwalense yezempilo, eli lixesha elifanelekileyo lokuxoxa ngomshuwalense wobomi .
Xa ungatshatanga kwaye ungenabantwana, kunokubakho imfuno encinci yomshuwalense wobomi kuba kungekho mntu uxhomekeke kwingeniso yakho kodwa wena. Xa utshata , kufuneka uxoxe ngezinto eza kwenzeka ntoni ukuba iqabane lakho lishiywe ukuxhasa indlu yakho yodwa, kwaye uqwalasele ukuba ingaba i- inshorensi yobomi ayifanelekanga okanye ayikho. Ukulahleka ngokukhawuleza kwengeniso kungonakalisa intsapho. Nangona abantwana besengabonakaliyo, i-inshorensi yobomi inokukunceda ukuhlawula iindleko zokungcwaba okanye nawaphi na amatyala awashiya ngasemva, njengemali-mboleko yomfundi okanye imali yokuboleka imali.
UkuCwangciswa koMhlalaphantsi
Emva kokuba unempilo ye-inshorensi yempilo kunye nenzuzo yobomi bentsholongwane, ubuya kufuna ukujonga abaxhamli bakho kwizicwangciso zomhlala-phantsi ezikhoyo, ipensheni, i- IRA kunye nayiphi na impahla onokuyenza. Xa usungula abaxhamli kule akhawunti, unokuqinisekisa ukuba iifayili zakho zichithwe ngokufanelekileyo xa usweleka.
Musa ukulibala ukusebenzisa ama-akhawunti ahlukeneyo omhlala phantsi afumanekayo ukunceda imeko yakho yerhafu. Oku kuquka umqeshi wama-401 (k) okanye isicwangciso esifanelekileyo sentela, kunye ne-akhawunti yomdabu kunye noRoth. Ngemivuzo emibini, kuba luninzi ixesha lokuqalisa ukugcina umhlalaphantsi kunye nokugcina imali kwiirhafu ngexesha elinye.
Thetha Ngayo
Isibalulekileyo ekulawuleni imali ngempumelelo kwimitshato kukuthetha kakuhle. Izibini ezininzi zifumana kunzima ukuthetha ngemali, kwaye oku kungakhokelela kwiingxaki phantsi kwendlela. Unokukhumbula ukunyamezela ukuba imali ingabangela xa ungatshatanga, ngoko ucinga ukuba kunokuxhalabisa njani xa utshatile.
Musa ukuvumela iingxaki ezincinci okanye iingcamango zikhule zibe yingxaki ezinkulu. Ukususela ekuqaleni, vula omnye nomnye kwaye uthethe ngemali yakho. Ukuba omnye wenu uzisa ityala elikhulu kumtshato, musa ukulifihla. Ninyanise uze uze nesicwangciso sokuhlawula. Akukho bantu ababini abanamanani afanayo xa kuziwa kwimali, ukukhulumisana okuvulekileyo kuya kunceda ukuchonga oko kubalulekile kulowo nalowo. Emva koko unokwenza izigqibo ezilungileyo malunga nemali yakho njengesibini.